Insurance License Hub

The Missouri Life license

Life

Sells life insurance in Missouri, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Missouri asks no pre-licensing course for it.

Course

None

This license has no pre-licensing course route.

Ways in

3

2 of them skip the state exam.

Exam

$25

Required on some routes and not others.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by sitting the examination, a license held in another state or moving here already licensed.

  1. Route 1 Pass the examination

    State exam required

    RSMo 375.016.1 asks a resident individual applying for a producer license to pass a written examination unless exempt under subsections 5, 6 or 7 of the same section, and RSMo 375.015.1 is the closed list of what the director must find before approving the application: at least 18 years old, no act that is a ground for denial under 375.141, the $100 license fee paid, and the examinations passed for the lines applied for. No course is in it, and the fee is in the statute rather than in a schedule. Missouri then adds a clock the other way round from everybody else: under 375.015.6, if the director has taken no action within twenty-five working days of receiving the application, the application is deemed approved and the applicant may act as a licensed producer, unless the application declared a felony or a crime involving moral turpitude.

    Read at revisor.mo.gov on 2026-08-16

  2. Route 2 Hold the same line in another state

    Exempt from the state exam

    • an insurance producer license carrying the Life line of authority in another state

    RSMo 375.016.5. Somebody previously licensed for the same lines of authority in another state completes no examination. The exemption holds while that other license is current, or if the application arrives within 90 days of its cancellation and the prior state certifies the applicant was in good standing then. The director may also confirm good standing through the NAIC producer database or any other method the director thinks appropriate, which is looser wording than most states use here.

    Read at revisor.mo.gov on 2026-08-16

  3. Route 3 Move to Missouri and apply within 90 days

    Exempt from the state exam

    • 90 days Licensed as an insurance producer in another state carrying the Life line of authority there, and applying to become a Missouri resident producer within 90 days of establishing legal residence.

    RSMo 375.016.6. Somebody licensed as a producer in another state who moves to Missouri has 90 days from establishing legal residence to apply as a resident producer, and Missouri writes it as a duty. No examination is required for a line of authority previously held in the prior state except where the director determines otherwise by regulation.

    Read at revisor.mo.gov on 2026-08-16

Courses

You do not have to buy any of this. The Missouri Department of Commerce and Insurance asks for no pre-licensing course, so nothing below is required of you. They are exam prep, priced here so you can see what they cost.

  • A.D. Banker & Company

    Exam practice. No course is required, so this is what to study.

    $79.95 to $296.85

    See 9 options ▾
    Go to A.D. Banker & Company

  • ExamFX

    Exam practice. No course is required, so this is what to study.

    $169.95 to $299.95

    See 6 options ▾

    • Missouri Life - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Missouri Life and Health - Self-Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support read 2026-08-22

      $169.95

    • Missouri Life - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Missouri Life and Health - Video Study Package

      60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $219.95

    • Missouri Life - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    • Missouri Life and Health - Live Online Study Package

      Live Online Webinar · Note-Taking Notebook · 60 Days Course Access · Interactive Learning Portal · Online Exam Simulations · Readiness Exam · Instructor & Technical Support · On-Demand Video Lectures · Online Flashcards read 2026-08-22

      $299.95

    Go to ExamFX

  • Kaplan Financial Education

    Exam practice. No course is required, so this is what to study.

    $349.00

    See 2 options ▾

    • Career Launcher Package (MO - Life & Health)

      $349.00

    • Career Launcher Package (MO - Life Only)

      $349.00

    Go to Kaplan Financial Education

  • WebCE

    Exam practice. No course is required, so this is what to study.

    $109.95 to $159.95

    See 4 options ▾

    • MO Life, Accident and Health Insurance Producer Exam Prep Complete Package

      $109.95

    • MO Life Insurance Producer Exam Prep Complete Package

      $109.95

    • MO Life, Accident and Health Insurance Producer Exam Prep Plus Complete Package

      $159.95

    • MO Life Insurance Producer Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

    Exam practice. No course is required, so this is what to study.

    $199.00 to $299.00

    See 2 options ▾

    • Missouri Life and Health Pre-licensing

      $199.00

    • Missouri Life and Health Pre-licensing Premier

      $299.00

    Go to XCEL Solutions

  • Mometrix

    Exam practice. No course is required, so this is what to study.

    $59.99/month

    See 1 option ▾

    • Life and Health Insurance Exam Prep Course

      $59.99/month

    Go to Mometrix